S-Off vs. Unlocked Bootloader

Anyone know if we need the bootloader unlocked if we already have S-Off? I have flashed a few ROMs already and was wondering if I would need to go unlock my bootloader to gain more customization options. Can we change kernels and overclock with a locked bootloader?

S-Off is the best option. If you only unlock the bootloader via HTCDev then you will have to flash the boot.img from a computer through adb.
So no flashing if you are too far away from your computer.
S-Off allows you to do anything from radios to kernels.

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